MarsLOS Disclaimers

Last updated 27 September 2026

MarsLOS is software, not a mortgage lender or broker.

MarsLOS is a technology platform for mortgage professionals. MarsLOS does not originate, fund, broker, approve, deny, or make credit decisions on mortgage loans and does not provide legal, tax, accounting, compliance, underwriting, or financial advice.

Users remain responsible for compliance.

Mortgage professionals using MarsLOS are responsible for complying with all applicable federal, state, and local laws, licensing requirements, disclosure obligations, record-retention requirements, investor guidelines, and internal policies. MarsLOS may assist with workflows, calculations, reminders, reporting, and document preparation, but use of the platform does not replace professional judgment or regulatory review.

Loan calculations and estimates must be independently verified.

Rates, payments, fees, loan amounts, cash-to-close figures, debt-to-income ratios, pricing adjustments, compensation estimates, qualification results, and other calculations generated by MarsLOS are based on information entered by users or received from connected providers. Results may be incomplete, outdated, or incorrect and must be independently reviewed before being provided to a borrower or relied upon in a transaction.

Pricing is not a rate lock or commitment.

Mortgage pricing displayed in MarsLOS is informational unless and until the applicable lender confirms the pricing and accepts a rate lock. Rates, credits, points, eligibility, guidelines, and pricing adjustments may change without notice.

Lender eligibility and approval results are not guarantees.

Product eligibility, lender comparisons, approval likelihood, readiness scores, and similar tools are intended to assist mortgage professionals and do not constitute an approval, underwriting decision, lending commitment, or guarantee that a lender will accept or fund a loan.

Disclosure and timing tools are workflow aids.

MarsLOS may track disclosure dates, waiting periods, deadlines, and transaction milestones. These tools are not a substitute for review of applicable law, lender requirements, or compliance procedures. Users are responsible for determining when a disclosure is legally required and whether applicable timing requirements have been satisfied.

Electronic signatures have limits.

Built-in electronic signature functionality may be appropriate for certain authorizations, acknowledgments, and agreements. It may not satisfy requirements applicable to every mortgage document, closing package, eNote, or transaction. Users are responsible for determining whether a particular document may legally be signed through the selected method.

Third-party services are separate.

Credit reporting, automated underwriting, pricing engines, document preparation, electronic closing, email, payment processing, property valuation, and other connected services may be provided by independent third parties. Mars LOS LLC does not control those providers and is not responsible for their availability, accuracy, pricing, decisions, or performance.

Emery AI may make mistakes.

Emery is an AI-assisted workflow tool. Responses may be incomplete or inaccurate and should not be treated as legal, compliance, underwriting, credit, or financial advice. Users should verify important information against the loan file, lender documentation, source records, and applicable requirements before taking action.

No guarantee of uninterrupted service.

MarsLOS is designed to support mortgage operations, but uninterrupted availability, error-free operation, or preservation of every item of data cannot be guaranteed. Users should maintain appropriate records and backups as required by their own policies and legal obligations.

Demo environment.

The MarsLOS demo contains fictional or sample information and should never be used for real borrower information, nonpublic personal information, credentials, or production loan activity.

No consumer offer of credit.

Nothing on MarsLOS.com constitutes an offer to extend credit, a loan commitment, a solicitation to apply for a specific loan product, or a guarantee of financing.